Farmers and Miners Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.27 percentage points higher than in Q1 2026, at 66.36%. Farmers and Miners Bank ranks 49th of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 60.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers and Miners Bank sits 20.36 points lower, at 60.48% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $90.7M |
| Fed funds sold and reverse repos | $28K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.48% |
| Net loans and leases to deposits | 59.54% |
| Loans and leases to core deposits | 66.36% |
| Core deposits to total deposits | 91.13% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 53.78% | 94.50% | $0 | $0 |
| Q4 2023 | 55.34% | 94.23% | $0 | $0 |
| Q1 2024 | 56.79% | 93.85% | $0 | $0 |
| Q2 2024 | 57.21% | 93.67% | $0 | $0 |
| Q3 2024 | 58.49% | 93.29% | $0 | $0 |
| Q4 2024 | 59.72% | 93.63% | $0 | $0 |
| Q1 2025 | 59.80% | 93.53% | $0 | $0 |
| Q2 2025 | 61.23% | 93.45% | $0 | $0 |
| Q3 2025 | 60.93% | 92.95% | $0 | $0 |
| Q4 2025 | 62.20% | 92.93% | $0 | $0 |
| Q1 2026 | 58.78% | 91.72% | $0 | $0 |
| Q2 2026 | 60.48% | 91.13% | $0 | $0 |
Farmers and Miners Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Miners Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Miners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22888) · FFIEC NIC profile (RSSD 658924)